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Earlier this year , but now it seems that our income taxes will go up a little bit once again. This time it is due to deflation and it is not widely publicized.

This change will pretty much affect everyone who pays any income taxes because tax brackets are being pushed lower due to deflation.  you can see how the brackets are changing this year.    For us the increase will be around $150 on top of the extra 0.25% we are already going to pay.  It is not a huge deal, but it is interesting because this instance of lowering the tax bracket is very rare.

On the flip side, it is possible that next year.    This depends on the California Consumer Price Index numbers in October.  If this happens then Californians may see their property taxes go down a little bit, but it is also not significant considering that the deflation number is around 0.7% right now.  So on a $300,000 assessment with a 1.1% property tax rate, the 0.7% deflation will save a homeowner around $23 for the entire year.

I don’t think most Californians will feel the tax changes due to deflation, but it is possible that deflation could affect federal tax brackets next year, too.  Additionally, the IRS uses annual CPI to figure out limits for things such as IRA and 401k contributions, so those limits may not increase.  Although the deflation rate is quite small now, it is definitely something to keep an eye on.

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Yesterday my husband and I went out on a daytrip to Pescadero.  We haven’t really gone out on the weekends for a while so this was quite special.  We really enjoyed our time in this small historic town, and here is the story.

I got up quite early for a Saturday and the hubby followed soon after.  He charged his camera batteries and we headed out.  We drove through the mountains and ancient redwood forests on the extremly windy highway 84.  Along the way there were many bikers and I wondered how they got up there, and my husband was simply annoyed that some of them were hogging the entire road.  Once we hit highway 1 we turned left towards Pescadero.  We planned to stop at the Pigeon Point Lighthouse first.

I first saw the lighthouse from a distance when .  I remembered the order of things a bit erroneously so I thought that Pigeon Point Lighthouse was north of Pescadero.  Once we already past Pescadero and still did not see the lighthouse my husband started to doubt my directions.  Pigeon Point is supposed to be one of the tallest lighthouses in North America, and he kept on asking me why we still do not see it.  I started to point behind a bunch of bushes and once we past it he laughed at me and said I was just pointing at a stick.  Then suddenly he saw the lighthouse perched at the edge of the ocean.  We turned in and found some parking in the dirt.

The lighthouse is currently not open to visitors because in 2001 two large pieces of its cornice fell to the ground, and so far San Mateo has not raised enough money to fix it.  However, the grounds are open and there was a surprisingly large number of visitors there including a lot of parents with kids.  I guessed that many of these visitors were trying to save a bit of money since the attraction is free.   The grounds were absolutely beautiful as flowers of all colors are currently blooming.  The normally brown cliffs were covered with dots of yellow and sea birds glided in the sky.  We then walked around a small path to the front of the lighthouse, and there was a flower patch with two giant pieces of whale bone.  One was a vertebrae and one was a humongous skull.  They looked quite eerie in a background of cheerful magenta and yellow flowers.

After visiting the lighthouse it was nearly 1pm, so we went to find some grub.  We planned to go to , a historic restaurant and bar in Pescadero that has been there since 1894.    It is famous for its artichoke dishes, olallieberry pie, and various seafood since Pescadero is supposed to be a fishing town.  Everything there is made locally and my company actually took us there during the retreat.  I just didn’t know how famous it was then.  I did remember the delicious artichoke soup and ollalieberry pie.   It was actually  on an episode of Food Network’s and the host ate the house special cioppino.  I saw the picture of the cioppino online and salivated a bit over it.  So we drove a few miles north from the lighthouse and stopped at Duarte’s.  There was quite a crowd there and we were told that we had to wait for 10 to 15 minutes.  This wasn’t too bad so we waited and got a round table very close to the bathrooms.

After we got the menu I looked at the cioppino, and it was the most expensive dish there!  My husband encouraged me to get it since we really didn’t spend too much money eating out last month.  So I ordered it and he ordered a crab melt sandwhich.  The waitress gave us two sets of dishes, crab crackers, and a bib for the cioppino.  My husband thought it was funny that we were given bibs, and then the GIANT dish of crab legs, prawns, and clams came out.  I put my bib on because I knew that I was going to make a mess.  The hubby thought that was so funny that he took a picture.  We shared the crab sandwhich first just to get rid of a plate, and that was quite excellent.  It was pretty much all crab meat hugged by cheese and well toasted buttery bread.  There wasn’t much vegetable fillers in the crab like you would find  in other restaurants.  Then we started working on the cioppino, and it was seriously the longest meal we ever had in a restaurant, but it was a lot of fun to pull out all the crab meat and then drink a bit of the soup.

After eating everything we were quite full but I really wanted some ollallieberry pie and I have talked about it so much that my hubby really wanted to try it.  So we walked down about a block to a small market and bakery.  They had a collection of all types of pies and all kinds of local foods.  Some of the artisan breads with artichokes and cheese just smelled intoxicating.   We just bought a pie to go and went onto the next destination – Pebble Beach.

The 71 miles of the San Mateo coast is unusual in that it is very close to large centers of population, but very few people visit so the beaches are quite pristine. The hubby and I have been to Half Moon Bay multiple times to beach comb and walk, but we never drove as far south as Pescadero.  As we were driving there the hubby said that we will not find these  uncrowded clean beaches in Southern California.  Pescadero has several beaches including Pescadero State Beach, Bean Hollow Beanch, and Pebble Beach.    Pebble Beach is a very small beach that is unique in that instead of sand it is covered by pebbles of all colors.  The pebbles are polished by the tides so they glisten in the sun.  There is also a very large area of tidepools next to it where you can find small marine life.     We walked down to the pebbles section and took pictures of the holey sand formations and pebbles first, and then walked over to the tidepools.  There were small fish, hermit crabs, and tons of snails in the tidepools, but nothing extremely exciting.  The hubby was hoping to see some colorful anemones or starfish so he could take pictures and he was disappointed.  So we went back to the pebbles area and dug around.  A lot of the stones were quite pretty and some of them were laced agates like the ones my mom and I used to dig up in construction sand when I was a kid.  It is illegal to take the pebbles because they are natural  materials, but we found some tiny pieces of sea glass so we took those.  The entire beach just smelled so fresh and it felt so good to sit down on the omnipresent pebbles.  It was definitely more fun than walking on sand.

After hanging around for about an hour we decided to head home as the sky became overcast.   We stopped to buy some vanilla ice cream and then I warmed up a slice of olallieberry pie for each of us when we got home and topped them with the ice cream.  It certainly made my tastebuds happy.

We definitely had a lot of fun exploring this part of San Mateo County, and I think instead of major vacations we could definitely save money by going on more day trips of places near us.  The Bay Area definitely has a lot of interesting places to see and experience just within an one to two hour drive.  After going to Pescadero we found that there is a seal preserve near by where you can see thousands of seals from December to March.  We might go visit next year!

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This is a topic my husband and I have discussed numerous times since his parents packed up, sold and gave away practically everything,  and became missionaries. Now that we are expecting a baby we are considering it further.  If we were to move we would probably go to our house in Chino Hills, and here is a list of pros and cons that came up in our discussions.

First, I think the biggest thing that I have kvetched about is the cost of living here in the Bay Area.  My husband and I both feel some of the nesting instinct now and he really wants his kid to grow up in a nice house with a backyard, like the one he grew up in. I think it is  reasonable to wish that  your child’s life to be as good or even better than yours.   To have a house comparable to the one we have in Chino Hills we would need over a million dollars here.  The school district in Chino Hills has elementary and middle schools with API scores over 900, and that kind of scores also give real estate a further premium here in the Bay Area. The amount of mortgage we pay on the Chino Hills home is less than our rent for a two bedroom apartment here, and it just seems ridiculous that we cannot reasonably afford the same quality of life here in the Bay Area even though we have above average incomes.

We both expect that we will not make as much money down south.  There just aren’t that many high tech companies there, and the unemployment rate in the Inland Empire is much higher than here in the Silicon Valley right now.  However, we are both pretty talented and graduated from the top engineering programs in the nation so we are pretty confident we will find something.  Chino Hills is also situated right on the border of Orange County so there are job opportunities there.  Of course, we will try to find jobs there before we decide to leave.

There are some  circumstances that could keep us in the Bay Area forever. One big thing is family.  Right now pretty much all of our family members live within an one hour drive and having that support system is quite valuable. We also have more friends here in the Bay Area than in Southern California.     Also, if we cannot find reasonable employment down south then we would probably just stay here.  The hubby also likes the weather here a lot more, but Southern California is actually sunnier and I prefer that more.

Anyway, we are not planning to move right now or even right after the baby is born.  The hubby is thinking of making a decision on this sometime before the kid enters elementary school so it may happen in five years, or not at all. I am definitely all for moving to a  higher quality of life if possible.  Meanwhile I am also working on generating a good non-salary income so that we can go wherever we want to.

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Last week was a pretty exciting week for us.  On Thursday we saw our baby’s heartbeat, and on Friday we were robbed.  We did not find out that we were victims of a crime until Saturday, though.  Basically, some thieves went to the carports behind our condo complex on Friday night and smashed my husband’s car window and ripped out his mounted GPS unit.

Here is the really stupid part, the thief or thieves apparently were in such a hurry that they ripped out the adapter and broke the cord.  The GPS usually does not have a charge so the unit is basically useless without the adapter.  I bet they felt stupid after running to their getaway car and finding out they broke the adapter.  Then again, adapters aren’t very expensive so maybe they have a pile of spare parts.   It seems that they did not enter the car at all because nothing else was stolen.  My hubby had at least a dozen CDs in the car that are worth more than the GPS.

The GPS was a Christmas gift to us from my hubby’s parents and we do not really expect that we will get it back.  We reported the incident to the police and an officer swung by.  He said that unless we had a serial number of the unit then it is pretty much impossible to identify the unit was ours even if they seized it from the criminals.  This makes complete sense, but my husband threw away the box a long time ago so there is no way we can track it.  The most annoying thing about this incident is really the broken car window because it left glass all over the floor and inside the car.  It took my husband and I an hour just to clean the seats and the floor, and we both got cuts from the glass.  My husband said that if he saw the thieves at his car he would have just given them two hundred dollars cash not to break his window because it is a big inconvenience for us.

Now my husband’s car is in the shop waiting for an inspection and repair and he is borrowing my car to go to work.  We will probably have to pay an auto insurance deductible for the window repair even though it was a theft and we are not at fault.  It really makes me wonder how much money these thieves make from these used devices because the GPS unit that was stolen from us costs $80 new, and it is about 1.5 years old so I estimate it to be worth $15 to $40 dollars just from gadgetry depreciation.  Additionally, since the thieves ripped out the adpater they probably need to replace the adapter just to get a buyer.   I looked online and the adapter costs around $15 to $20, so if they do buy a new adapter the profit they would get is around $-5 to $20.  Is that really worth smashing our car window?  I guess I just don’t understand criminals.

Anyway, I’m thankful that my hubby’s car wasn’t stolen and other things weren’t stolen. On a completely unrelated note we found a hummingbird nest on the flower vines on our fence, and there is a super cute baby hummingbird in it.  That kind of made the weekend a little brighter.

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I am leaving San Mateo for China first thing in the morning tomorrow.  Sorry for the lack of updates but these couple weeks have been insanely busy for me.  We actually still haven’t completely closed on the house because of a bunch of mix ups and confusion.  Hopefully it will be done tomorrow, but I won’t be here to see it.  That sounds pretty precarious and believe me, I have been pulling out my hair for about two days.  I have also been trying to tie up loose ends at work and it has been two extremely chaotic weeks.

I am so glad that I will be leaving on a jetplane tomorrow because I just need to get away from this crazy country for a while and escape to another crazy country.   We will be watching the presidential election through the filter of CCTV.  The hubby already voted early on Saturday, so he is all set.

I will be back early morning of November 14th, but there will be an excellent guest post by in a couple days.   Stay tuned!

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